Average Cost of Car Insurance in September 2022

Car insurance in the U.S. costs $136 per month, on average, but your rate may be very different.
Sep 6, 2022

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The national average cost of car insurance is $1,630 per year, according to NerdWallet’s 2022 rate analysis.

That works out to an average car insurance rate of about $136 per month.

These rates are for full coverage insurance, which includes liability, comprehensive, collision and any additional insurance a state requires drivers to carry. However, your personal car insurance rate will vary based on a number of factors, such as your driving history, location, coverage you select, and car make and model. We break down how these factors may affect your rates below.

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How much is car insurance?

As previously stated, the average cost of car insurance is $1,630 per year, according to our 2022 rates analysis. But that's just for a good driver with good credit — rates vary widely depending on your history, as well as the level of coverage you select.

National average car insurance rates for policies with full coverage are:

  • $1,630 for a good driver with good credit.

  • $2,792 for a good driver with poor credit.

  • $2,462 for a driver with an at-fault accident and good credit

  • $3,139 for a driver with a recent DUI and good credit.

For minimum required coverage, national average car insurance rates are:

  • $561 for a good driver with good credit.

  • $973 for a good driver with poor credit.

  • $862 for a driver with an at-fault accident and good credit.

  • $1,134 for a driver with a recent DUI and good credit.

As you can see, average rates for full coverage insurance are generally more than twice as high as minimum coverage, according to our analysis.

But averages don’t say much about your own car insurance rates. A number of personal factors, both within and outside of your control, inch rates up or down until your price is totally personalized.

And since NerdWallet can’t anticipate which factors apply to you, we used a specific driver profile throughout this article, unless stated otherwise:

  • 35 years old.

  • Good driver: Defined as a person with a clean driving record, meaning no accidents, DUIs or other traffic violations.

  • Good credit: Drivers with a “good credit” rating. Insurers use a credit-based insurance score, which is similar to your regular credit score to calculate rates in most states. Although they aren’t the same, your credit score can be a good indicator of your credit-based insurance score.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing. Read our methodology.

How much does car insurance cost in my state?

Where you live can have an enormous impact on auto insurance rates, because each state has different regulations.

Here’s what our state-by-state analysis of 2022 car insurance rates shows for drivers with good credit and no recent accidents:

  • Idaho is the cheapest state for full coverage car insurance with an annual average rate of $1,027, followed by Ohio and Vermont.

  • Louisiana is the most expensive state for full coverage auto insurance at $2,986 per year on average, followed by Florida and Nevada.

  • Iowa is the cheapest state for minimum required coverage, at an annual average car insurance rate of $237, followed by South Dakota and Idaho.

  • Florida is the most expensive state for minimum required coverage at $1,085 per year, on average, followed by Nevada and New Jersey.

Average car insurance costs for full and minimum coverage by state

State

Full coverage

Minimum coverage

$1,701

$558

$1,292

$396

$1,637

$571

$1,854

$477

$1,967

$624

$1,899

$489

$1,659

$814

$2,027

$918

$2,775

$1,085

$1,698

$709

$1,128

$365

$1,027

$330

$1,383

$478

$1,133

$349

$1,131

$237

$1,791

$470

$2,423

$859

$2,986

$920

$1,074

$364

$1,987

$908

$1,163

$456

$2,084

$876

$1,463

$535

$1,819

$549

$1,694

$520

$1,773

$407

$1,401

$345

$2,489

$965

$1,143

$389

$1,901

$957

$1,461

$396

$2,008

$934

$1,255

$402

$1,233

$355

$1,066

$380

$1,906

$458

$1,355

$672

$1,525

$453

$2,065

$833

$1,561

$588

$1,466

$299

$1,404

$406

$1,725

$599

$1,596

$640

$1,074

$336

$1,354

$506

$1,293

$461

$1,867

$718

$1,580

$496

$1,206

$354

$1,484

$336

Here are the cheapest states for auto insurance:

  1. Idaho: $1,027 a year, or about $86 a month, on average.

  2. Ohio: $1,066 a year, or about $89 a month, on average.

  3. Vermont: $1,074 a year, or about $89 a month, on average.

  4. Maine: $1,074 a year, or about $90 a month, on average.

  5. Hawaii: $1,128 a year, or about $94 a month, on average.

These are the most expensive states for auto insurance:

  1. Louisiana: $2,986 a year, or about $249 a month, on average.

  2. Florida: $2,775 a year, or about $231 a month, on average.

  3. Nevada: $2,489 a year, or about $207 a month, on average.

  4. Kentucky: $2,423 a year, or about $202 a month, on average.

  5. Michigan: $2,084 a year, or about $174 a month, on average.

Note that “full coverage” isn’t a type of policy you can select from a list. In our analysis, full coverage insurance rates include comprehensive and collision insurance, liability and uninsured/underinsured motorist coverage.

Average car insurance costs by company

Every car insurance company sets rates based on dozens of factors, including your driving history, location, vehicle and demographics. They’re making an educated guess about how likely you are to file a claim in the future and setting your price accordingly.

Each insurer treats each factor differently. If you have poor credit, one insurer might charge you 10% more for the policy, while another would charge 40% more. A discount for being claim-free in recent years might earn you a 20% discount with one company and 5% at another.

All this results in very different rates from one person to the next. This is why the company that gives your friend super-low rates might not be the cheapest for you.

Here are annual rates for many of the nation’s largest insurers, for full and minimum coverage.

Average car insurance costs from large companies

Company

Full coverage

Minimum coverage

$1,994

$648

$1,454

$593

$1,745

$639

$1,233

$370

$1,332

$545

$1,739

$625

$1,381

$473

$1,426

$455

$1,238

$396

*USAA is only available to military, veterans and their families.

Bear in mind, small insurers may have cheaper rates than nationwide carriers. However, many regional insurers are available in only a few states. We analyzed rates from large insurers to provide the most relevant information for all readers.

Additionally, although it’s one of the largest insurers in the country, Liberty Mutual is not included in our analysis because it does not provide rate data.

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Average car insurance rates after an at-fault accident

After an accident, average auto insurance prices for an at-fault driver are:

  • $2,462 per year for full coverage.

  • $862 per year for minimum coverage.

On average, car insurance rates are about 50% higher for a driver who has caused a wreck than for one who hasn’t, according to NerdWallet’s analysis.

Average auto insurance rates before and after an at-fault accident

Type of policy

Clean record

After one at-fault accident

Full coverage

$1,630

$2,462

Minimum coverage

$561

$862

State to state, rate increases after an accident tend to stay in the 30% to 60% range. California, North Carolina and Texas are notable exceptions, in which rates increase 70% or more after an accident, on average. In California, that translates to an extra $1,372 a year in car insurance premiums.

How much your rates will rise also depends on the severity of damage and whether you have accident forgiveness on your policy or any “good driver” discounts you stand to lose. The hypothetical accident in our analysis was relatively minor, resulting in $10,000 worth of property damage and no injuries. Accidents resulting in medical costs can be very expensive and result in even steeper rate increases.

It’s important to shop for the cheapest insurer after an accident, because each company considers factors like a crash differently when setting prices. For instance, our analysis found that American Family increases car insurance rates by about 7% on average after a wreck, while rates at Geico went up by 63% on average.

Causing an accident can raise your auto insurance costs for three to five years afterward, depending on the carrier. This is why it’s wise to shop for car insurance quotes just after the third and fifth anniversary of your wreck to see if you can get a better deal.

Average car insurance costs for good and bad credit

Having bad credit has a surprisingly large impact on auto insurance rates in most states. On average, car insurance rates for drivers with poor credit are more than 71% higher than for people with good credit.

Average car insurance rates for a driver with poor credit are:

  • $2,792 per year for full coverage.

  • $973 per year for minimum coverage.

Average auto insurance rates for drivers with good versus bad credit

Type of policy

Good credit

Poor credit

Full coverage

$1,630

$2,792

Minimum coverage

$561

$973

Remember, insurers use a “credit-based insurance score,” similar to a regular credit score, to help set rates in most states. The insurance score uses all the same factors as a regular credit score — things like on-time payments and delinquencies — but weighs them differently.

California, Hawaii, Massachusetts and Michigan don’t allow insurers to use credit when determining car insurance rates.

Insurance companies point to data linking poor credit to more frequent insurance claims to justify the higher prices to state regulators.

The score’s impact on your premium depends on where you live and which car insurance company you choose.

For instance, average rates more than double in four states: Nebraska, New York, South Dakota and Wisconsin.

Some companies are more forgiving of bad credit than others, so it’s worthwhile to shop for quotes while you’re trying to build your credit. For example, here’s what we found for a 35-year-old buying full coverage:

  • State Farm’s rates for a driver with bad credit in Arizona, South Dakota, Tennessee and Wisconsin are more than quadruple its rates for someone with good credit.

  • On the other hand, Nationwide’s rates in North Carolina and Indiana are about $25 a month higher for a driver with poor credit than for one with good credit.

Average car insurance rates after a DUI

Getting caught drinking and driving will mean significantly higher prices for car insurance. On average, auto insurance rates go up about 93% for a driver with a recent DUI, NerdWallet’s analysis found.

For a 35-year-old driver, average car insurance rates after a DUI are:

  • $3,139 per year for full coverage.

  • $1,134 per year for minimum coverage.

How much a DUI raises average car insurance costs

Type of policy

Clean record

Recent DUI

Full coverage

$1,630

$3,139

Minimum coverage

$561

$1,134

Our analysis found an average increase of about $370 a year for full coverage car insurance after a DUI in every state, and in Hawaii and Michigan, the average increase is more than $3,000 a year.

Shopping around for the cheapest car insurance after a DUI can lessen the blow. Among the largest companies in our analysis, average annual rates for full coverage car insurance after a DUI ranged from $1,754 at American Family to $2,964 at Allstate, a difference of more than $1,200 a year between companies.

Switching to your state’s minimum required insurance coverage is another way to lower the cost. For minimum coverage, we found average annual rates ranging from $713 at American Family to $1,181 at Nationwide.

Although minimum insurance is the cheapest option, it’s not always the best choice. If you’re looking for coverage for your own vehicle after an at-fault accident, you’ll want collision insurance. And if you have a loan on your car, or it’s leased, you may be required to keep collision and comprehensive coverage.

Car insurance rates by driving history

NerdWallet has written several car insurance rate guides based on your driving history. For more information, check out our articles below:

Average car insurance rates for young drivers

Insurers see less experienced drivers as a bigger risk and typically charge them heftier prices. Insurers may categorize young drivers as anyone 16 to 25 years old, and sometimes even anyone under 30 years old. For our analysis, we analyzed rates for 20-year-old drivers.

As you age, rates tend to go down. On average, car insurance rates are about $1,700 a year higher for a 20-year-old driver than a 35-year-old, our analysis found.

Average auto insurance costs for a 20-year-old driver

For a 20-year-old driver with good credit and a clean driving record, average car insurance rates are:

  • $3,325 for full coverage.

  • $1,191 for minimum required coverage.

But young drivers with blemished credit or a less-than-perfect driving history are likely to shell out more for car insurance.

Driver profile

Full coverage

Minimum coverage

Clean driving record, good credit

$3,325

$1,191

One at-fault crash, good credit

$4,464

$1,620

One DUI, good credit

$5,498

$2,064

Clean driving record, poor credit

$5,683

$2,023

Average auto insurance costs for young drivers by company

Knowing average rates gives you an idea of what to expect, but it’s only a starting point for a young driver looking for affordable car insurance. Rates can vary by hundreds of dollars a year, depending on where you live and which insurer you choose. Here are average rates for the largest auto insurance companies (except Liberty Mutual, which we can’t get rates for) for 20-year-old drivers buying a policy with full coverage.

Company

Full coverage

Minimum coverage

$3,706

$1,067

$2,374

$1,038

$3,550

$1,421

$2,304

$715

$2,976

$1,369

$3,546

$1,244

$2,683

$979

$2,874

$851

$2,298

$755

*USAA is only available to military, veterans and their families.

Check with several companies to find the best possible rate and be sure to ask about car insurance discounts for young drivers.

Average car insurance costs by gender

On average, car insurance costs differ little by gender compared with differences we see by company, state, credit score and driving history. That doesn’t mean that a cost difference due to your gender would be insignificant, however, just that it’s not a pricing factor well-illustrated by national statistics. Gender-based pricing is banned by law in seven states: California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania.

In general, young adults have a much wider price discrepancy based on gender than older drivers. Men pay more than women across all age groups we analyzed.

For example, in states where the practice is allowed, we averaged full coverage insurance rates for men and women separately and found that on average:

  • At age 20, men pay about $434 more than women per year.

  • At age 30, men pay around $30 more than women per year.

  • At age 35, men pay about $13 more than men per year.

Note: In this article, NerdWallet uses the term “gender.” We recognize that this is different than sex. Gender is how you identify within society, while sex refers to certain biological attributes.

Some insurers don’t recognize this distinction and use the terms interchangeably. This means when applying for car insurance, they may ask for your gender, when they really mean sex.

They may also ask for identification that doesn’t reflect your gender accurately. For instance, a company may want the “gender” you list on your insurance application to match the sex listed on your driver’s license.

Average cost of car insurance by vehicle

In other analyses, we used a 3-year-old Toyota Camry (the most popular sedan in America by sales in recent years) to show how rates vary by personal history and demographics. But the make and model of your vehicle will certainly affect rates.

Insurers charge more to cover certain cars, including:

  • Sports cars, which have higher top speeds. People tend to drive them faster, increasing the likelihood of a wreck or traffic violation. If you get a speeding ticket, insurers think you’ll be more likely to cause an accident, which increases rates further.

  • Luxury cars because they tend to have expensive parts and details that are costlier to replace if damaged in a crash.

  • Electric vehicles, which have more expensive engine parts to replace. The batteries alone can cost thousands each.

  • Cars that are stolen often, which tend to be the nation’s more popular makes and models. These vehicles generally have higher rates for comprehensive insurance, the part of an auto policy that pays out when your car is stolen or damaged by something non-traffic-related, such as floods, fire and vandalism. It is typically optional unless you have a loan or lease.

To see how rates differ depending on your vehicle, we looked at average car insurance rates for the most popular vehicles based on sales in a separate analysis from 2021. As you can see below, the Camry is far from the cheapest model. That honor goes to the Subaru Outback, with an average car insurance cost of $1,336 per year.

Rank

Average annual insurance premium

1. Subaru Outback

$1,336

2. Subaru Forester

$1,347

3. Honda CR-V

$1,359

4. Jeep Wrangler

$1,406

5. Hyundai Tucson

$1,406

6. Mazda CX-5

$1,412

7. Ford Escape

$1,427

8. Honda Pilot

$1,442

9. Chevrolet Equinox

$1,459

10. Ford F-150

$1,465

11. Toyota RAV4

$1,472

12. Toyota Tacoma

$1,477

13. Chevrolet Silverado 1500

$1,524

14. Nissan Rogue

$1,530

15. Toyota 4Runner

$1,534

16. Jeep Grand Cherokee

$1,543

17. Ford Explorer

$1,570

18. Honda Accord

$1,601

19. Honda Civic

$1,603

20. GMC Sierra 1500

$1,606

21. Toyota Highlander

$1,617

22. Toyota Corolla

$1,623

23. Toyota Camry

$1,641

24. Dodge Ram 1500

$1,641

25. Tesla Model Y

$2,268

Going down the list, the average price between vehicles typically changes by only a few dollars per year, but between the Outback and the Tesla Model Y, there’s an annual difference of $932, on average. That works out to about $78 per month.

What else affects my car insurance cost?

There are additional factors you may need to consider that can affect insurance rates. Here are some of them:

  • More specific location data such as your ZIP code or city.

  • Your occupation, in many states.

  • Your previous insurance company. If it was a nonstandard insurer specializing in high-risk drivers, you might see higher insurance rates with some companies.

  • Continuous insurance coverage. Companies charge more for drivers with lapses in coverage.

  • Annual mileage driven per car.

  • Your marital status. Some insurers believe married people drive more responsibly, which means single people — even widows, widowers and divorced folks — tend to have higher insurance rates.

  • Whether you own your home (and whether you bundle home insurance with auto).

  • How much education you’ve completed.

  • Additional coverage options you choose, such as new-car replacement coverage and gap coverage.

  • Discounts you’re eligible for, which vary widely by company.

  • Whom you live with. Some companies won’t allow you to exclude people such as roommates or nondriving adults from your policy.

Factors that affect your car insurance

How to get cheap car insurance

By now you may have concluded that average car insurance costs have little to do with your own — this is true. No matter how many averages you look at, your own rates will likely be different.

But you can still find cheap car insurance by shopping around for rates every year and every time something major happens in your life, including marriage, a new job, moving or buying a new car. Additionally, if you’ve had a recent at-fault accident, DUI or other traffic violation, be sure to shop in the month after the third and fifth anniversaries of the incident.

If you’re ready to shop, you can check out the cheapest companies in your own state for several driver profiles.

Frequently asked questions

Car insurance costs $136 per month on average, according to NerdWallet’s rates analysis. However, your rate will vary depending on factors such as where you live, the vehicle you drive and your driving history. Compare car insurance rates to find the cheapest car insurance for you.

On average, full coverage insurance costs about $136 a month compared to $47 a month for minimum coverage. However, unlike minimum coverage, full coverage insurance pays out if your car is stolen or you need repairs after an accident. Minimum insurance covers damages to another person or vehicle only in an at-fault accident. It does not cover your own repairs or injuries.

It’s hard to say exactly who pays the most for car insurance since there are so many factors that affect your auto insurance rates. In general, teen drivers, drivers with a recent DUI and drivers with poor credit pay some of the highest car insurance rates on average.

Methodology

AVERAGE RATES METHODOLOGY

NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.

In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.

These are average rates, and your rate will vary based on your personal details, state and insurance provider.

Sample drivers had the following coverage limits:

  • $100,000 bodily injury liability coverage per person.

  • $300,000 bodily injury liability coverage per crash.

  • $50,000 property damage liability coverage per crash.

  • $100,000 uninsured motorist bodily injury coverage per person.

  • $300,000 uninsured motorist bodily injury coverage per crash.

  • Collision coverage with $1,000 deductible.

  • Comprehensive coverage with $1,000 deductible.

In states where required, minimum additional coverages were added. We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect only the minimum coverage required by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.”

  • For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.

  • For drivers with a DUI, we added a single drunken-driving violation.

We used a 2019 Toyota Camry L in all cases and assumed 12,000 annual miles driven. We analyzed rates for drivers of the following ages: 20, 30, 35, 40, 50 and 60.

These are rates generated through Quadrant Information Services. Your own rates will be different.

25 MOST POPULAR VEHICLES METHODOLOGY

NerdWallet averaged insurance estimates from the largest insurers in all 50 states and Washington, D.C. Rates were for 40-year-old male and female drivers with good credit, no tickets or violations, and with the following coverage limits:

  • $100,000 bodily injury liability coverage per person.

  • $300,000 bodily injury liability coverage per crash.

  • $100,000 property damage liability coverage per crash.

  • $100,000 uninsured motorist bodily injury coverage per person.

  • $300,000 uninsured motorist bodily injury coverage per crash.

  • Collision coverage with $1,000 deductible.

  • Comprehensive coverage with $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion. These are sample rates generated through Quadrant Information Services. Your own rates will be different.

Vehicles listed were the 25 top-selling models in the U.S. in 2019, according to data collected by Kelley Blue Book. Starting MSRP and insurance rates are for 2020 models.

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